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-2.20%
Capital city bank group, inc.
-0.79%
Avg of Sector
-0.21%
S&P500
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking and banking-related services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card transaction processing services. It also provides commercial and residential real estate lending products, as well as fixed- and adjustable-rate residential mortgage loans; personal, automobile, boat/RV, and home equity loans; and credit card programs. In addition, the company offers institutional banking services, including customized checking and savings accounts, cash management systems, tax-exempt loans, lines of credit, and term loans to meet the needs of state and local governments, public schools and colleges, charities, membership, and not-for-profit associations. Further, it provides consumer banking services comprising checking accounts, savings programs, interactive/automated teller machines, debit/credit cards, night deposit services, safe deposit facilities, and online and mobile banking services. Additionally, the company provides asset management for individuals through agency, personal trust, IRA, and personal investment management accounts; and various retail securities products, such as the U.S. government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance, and long-term health care. As of December 31, 2021, it operated through 57 banking offices and 86 ATMs/ITMs in Florida, Georgia, and Alabama. The company was founded in 1895 and is headquartered in Tallahassee, Florida.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Capital city bank group, inc. (CCBG) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CCBG's short-term business performance and financial health. For the latest updates on CCBG's earnings releases, visit this page regularly.
According to historical valuation range analysis, Capital city bank group, inc. (CCBG)'s current price-to-earnings (P/E) ratio is 11.77, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Capital city bank group, inc. (CCBG) reported an Operating Profit of 20.67M with an Operating Margin of 32.93% this period, representing a decline of 6% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Capital city bank group, inc. (CCBG) announced revenue of 62.75M, with a Year-Over-Year growth rate of 3.4%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Capital city bank group, inc. (CCBG) had total debt of 67.26M, with a debt ratio of 0.02. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Capital city bank group, inc. (CCBG) held Total Cash and Cash Equivalents of 488.97M, accounting for 0.11 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Capital city bank group, inc. (CCBG) achieved the “three margins increasing” benchmark, with a gross margin of 98.87%%, operating margin of 32.93%%, and net margin of 25.21%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CCBG's profit trajectory and future growth potential.
According to the past four quarterly reports, Capital city bank group, inc. (CCBG)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.92. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Capital city bank group, inc. (CCBG)'s Free Cash Flow (FCF) for the period is 9.94M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 10.51% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Capital city bank group, inc. (CCBG) has a Price-To-Earnings (PE) ratio of 11.77 and a Price/Earnings-To-Growth (PEG) ratio of 0.78. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.